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Stewardship with purpose

Your money isn't yours: it was entrusted to you. SaldoApp doesn't just track your spending, it teaches you what every number means and which stewardship principle is at stake.

SaldoApp home screen
🎯INSIGHT
You saved over 20% of your income. Right in line with the 50/30/20 rule.
📌You overspent
Internet went over your limit this month.
KEY FEATURES

Everything you need to manage your money

SaldoApp account and balance management screen
SaldoApp custom expense categories screen
SaldoApp financial education tips screen
SaldoApp income, expense, and transfer tracking screen
SaldoApp metrics and reports screen
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01

Account and balance management

Cash, bank, and wallets in one place, so you know what's available today, not just at month's end. Private by design: your data is yours, no ads.

02

Custom expense categories

Create categories with an icon and a budget, like groceries, utilities, or transportation, and give with intention: tithes and offerings get their own category, not just what's left over.

03

Financial education tips

Turn on education mode and get micro-lessons tied to your real transactions: what each number means and what to do about it.

04

Track income, expenses, and transfers

Logging a transaction takes seconds, even transfers between your own accounts, plus alerts that guide you: a timely "You overspent," no surprises.

05

Metrics and reports that teach

The 50/30/20 rule, essentials vs. wants, and where you spent the most. Every number comes with context: whether it's healthy, and why.

STEWARDSHIP

Money is entrusted, not owned.

Managing well isn't a productivity technique; it's a responsibility. When we understand that what we have was entrusted to us, every financial decision stops being a calculation and becomes a response.

SaldoApp walks alongside that response with clarity, without judgment and without noise, teaching in the language of your own numbers.

SaldoApp mascot: a piggy bank wearing glasses, a symbol of stewardship

"Each of you should use whatever gift you have received to serve others, as faithful stewards of God's grace in its various forms."

1 Peter 4:10

TESTIMONIALS

Managing better, with more peace of mind

What changes isn't just your balance, it's the way you look at it.

"Very useful and easy to use."
Johan TierradentroNeiva - Barber
"I’ve really liked the app. It’s easy to use and has allowed me to identify where I’m spending the most money. I highly recommend it."
Vanessa TrujilloMedellín - Social Worker
"Excellent app."
Abner SarriaNeiva - Student
"I’ve really liked the app. It’s easy to use and helps me keep track of all my expenses."
Maria P. DuarteNeiva - Self-employed
"I really liked it. I downloaded it to be able to improve the organization of my income and expenses, and it has helped me a lot. Now I have someone to tell me if I’m overspending from my account."
Jeison Manuel V.Elias - Software Engineer
FREQUENTLY ASKED QUESTIONS

The questions we hear most

Can't find your answer?

Write to us and we'll reply within 24 hours.

What exactly is SaldoApp?

A personal finance app built around stewardship: it tracks your income and expenses, but it also interprets every number, telling you if it's healthy, what it compares to, and which principle is at stake.

Is my data safe?

Yes. Your financial data stays only on your device: it is never uploaded to our servers or sold. We only receive technical diagnostic and usage data, never your transactions or balances. No ads, no ad profiling: managing your privacy well is stewardship too.

Is it free?

Getting started is free: transaction tracking, categories, basic insights, and goals. Down the road there will be an optional plan with advanced metrics and an expanded education mode.

How do the Tithes and Offerings categories work?

They're top-level categories, not an afterthought. You set the percentage or amount at the start of the month, and the app sets it aside before allocating the rest, with its own tracking and history.

Do I need to connect my bank?

No. You can use it with manual entry from day one, it takes seconds and keeps you aware of every transaction, which is exactly the point.

Your finances, finally under control.Download SaldoApp today.

SaldoApp brings your accounts, budgets, and goals together in one place, and explains what every number means.

Free · No ads · Secure · iOS and Android

SaldoApp home screen